200cash.com Payday scam that appears legitimate, but isn't. Wilmington Delaware

Applied for a payday loan to pay an emergency bill until payday. Was given an approval page and requested application fee so funds would be deposited. Printed, signed, and returned required documents via fax. Application fee deducted from my account, then received the email below (keep in thought that this was sent AFTER I was approved already and it was an actual approval, not a pre-approval):

We have received your application for a new Payday Loan account with us, and have completed our review of your information.

Your application for a new Payday Loan Account has been denied for one or more of the following reasons:

1. The applicant was unreachable at work.

2. The application contained an invalid Social Security Number.

3. The employment information provided was unverifiable.

4. The provided SSN does not match the applicant's employment records.

5. The application contained invalid contact information.

6. The applicant was not at least 18 years of age.

7. The applicant does not meet the minimum income requirement.

8. The applicant does not meet the minimum time on current job requirement.

9. The bank account information provided is not valid for both ACH deposits and ACH debits.

10. The listed employer would not honor a Wage Assignment Agreement.

Thank you for applying.

Account Management Team
200CASH.COM, INC.

I feel this company is a scam artist that reels in applicants and charge a false fee so that it looks legal, but is not because they never intend to grant the loan proceeds in the beginning. How do you approve an applicant, then disapprove them after paying the application fee?

Journey08
Integrity, Delaware
U.S.A.